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InCred Customer Care
1800 102 2192

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InCred Official

InCred Email Support –

You can also visit for help & support.

InCred Corporate Address
The Capital, Tower B, 15th Floor, 1502, G-Block, Bandra Kurla Complex, Bandra (E), Mumbai-400051 ,Maharashtra

Reference Links –

Personal Loan
Education Loans
SME Business Loans
Two Wheeler Loans
Our Addresses and Locations
Ombudsman Scheme
ECLGS Scheme

Q What is InCred?

InCred is a new-age financial services platform that leverages technology and data-science to make lending quick and easy. We give 3 kinds of loans – Personal Loans, Education Loans and SME Business Loans

Q What is visu leasing and finance?

InCred Financial Services Limited is our legal entity that owns the Non Banking Finance Company (NBFC) license granted by RBI. Our Personal Loan, Education Loan and SME Business Loan units lend through this entity.

Q How does incred differentiate itself?

InCred has enabled a customer –focused, human approach to lending. Our products are flexible and can be tailor made to suit the unique requirements of our customers. We leverage technology and data science to simplify the borrowing process and make it quick and hassle-free. Our products do away with heavy documentation and mandatory branch visits. The team at InCred comprises former bankers and finance professionals who have been active in the lending space for over 15 years. The team intends to leverage its deep experience and understanding of financial services and businesses to provide funding solutions to customers as per their requirements. Developing long term, sustainable relationships with customers, providing customized products and ensuring superior customer experience are some of the key focus areas for the team.

Q What kind of loans does InCred provide?

We provide 3 kinds of loans – Personal Loans, Education Loans and SME Business Loans.

InCred provides short term unsecured personal loans to retail customers with ticket sizes of Rs 50,000 to Rs 7.5 lakhs.

InCred provides long-term loans to students pursuing higher education both in India as well as overseas. Loan sizes range from Rs 2 lakhs to Rs 100 lakhs.

InCred provides individuals with long term loans for first-time buyers of affordable housing, loans for self-construction and loans against property. Loan sizes range from Rs 2 lakhs to Rs 30 lakhs.

InCred provides both short-term working capital as well as term loans to small and medium enterprises. Loan sizes range from Rs 1 lakh to Rs 10 crore.

Q How do I apply for a loan?

You can apply for a loan through any of the following ways :

You can apply directly through our website by clicking on Apply Now.
Contact our Sales team at 1800-102-2192
Email us at

Q Can I speak to someone directly?

Yes, for any queries, you can reach our sales team at 1800-102-2192

Q What is a personal loan?

A personal loan is an unsecured loan for your financial needs like medical emergencies, planning a holiday or a wedding, purchasing a consumer durable or meeting an unexpected cash flow need. Loan ticket sizes range from Rs 50,000 to Rs 7.5 lakhs.

Q Do I have to pay any charges for personal loan?

A processing fee is levied on loan basis the defined pricing matrix followed by us. This fee will be deducted from the disbursal amount payable to you hence you do not have to pay any amount to us or to any of our associates.

Q Who is eligible to apply for an incred student loan?

Citizens of India/Indian passport holders currently enrolled or planning to enroll in an eligible course can apply.

The co-signer must also be an Indian national or passport holder.

Non Resident Indians (NRIs) with an Indian passport or with an Overseas Citizens of India (OCI) or Persons of Indian Origin (PIO) cards are also eligible to apply for a student loan at InCred. Certain additional conditions may be required to be met for such applicants and co-signers on a case-specific basis.

Q Do you cover the entire cost of attendance?

Yes, the entire cost of attendance (COA) as certified by your university or educational institute can be lent by us provided your application meets all loan parameters and requirements. The COA includes the tuition for your course, associated fees, housing, meals, books and laptop, travel, insurance and incidentals.

Q What is the typical size of a business loan?

The size of a Business Loan varies from a few lakhs to a few crores depending on the nature and size of the businesses. InCred is focusing on lending ranging from Rs. 1 lakh to upto Rs. 10 crore.

Q What are the documents required for applying for a business loan?

Typically, the following documents for the business and the promoter are required at the application stage -

Audited Financials for previous years and unaudited financials for the current year
Income Tax Returns
Bank Statements
KYC Documents
Proof of ownership of the assets
Key contracts of the business
As the due diligence process goes on, additional documents maybe requested from the Borrower.

Q How can I avail a two-wheeler loan from incred?

You can avail a Two-wheeler Loan from InCred through our website by filling up a simple form and if eligible, you will get a call from our representative to process the loan. You can also visit your nearby Two-wheeler Showroom and our InCred representative will process your Two-wheeler Loan there.

Q What do you mean by kyc document?

KYC documents are the set of documents defined by RBI to gather the information about Identity and address of the customer, so that banks can provide better offering and services to the customer.

Q How long does it take for my application to be processed?

Once you provide all the required documents, it will take 30 -45 min to get the loan approved. The disbursement process might take a day.

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